127 Valley Ct, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 127 Valley Ct, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,850 sqft · built 1982
Lot Size	2.13 acres (92,783 sqft)
Owner	Individual Name on File
Last Sale	$206,180 (Jan 2021)
Tax Bill	$5,240 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432689 69.-1-25`

Property Details

APN / Parcel Number

Primary APN	`432689 69.-1-25`
Alternative APN	`435J181038`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,850 sqft Living Area
1st Floor Area	1,106 sqft
Basement Area	744 sqft
Finished Basement	744 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Raised Ranch
Exterior Material	Composition/Composite
Lot Area	92,783 sqft (2.13 acres)
Lot Width	185 ft Width
Garage Type	Basement
Patio Area	204 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	435J181038
Street Address	127 VALLEY CT
City	COBLESKILL
State	NY
Zip	12043-5628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	1
Legal Lot Number	25.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	1
Census Block	1053
Census Tract	740200

Owner

127 Valley Ct is owned and occupied by an individual who bought it in January 2021.

Source: Schoharie County and Cobleskill Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	127 VALLEY CT, COBLESKILL, NY 12043-5628
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
May 16, 2018	Deed of Trust, Mortgage STATE FARM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2021 · Amount on File
Deed Sale	Jan 25, 2021 · Amount on File
Prior Sale	Dec 1, 2015 · Amount on File
Deed Document Number	2021784004
Deed Book / Page	1130 / 85
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jan 25, 2021
Property Address	127 VALLEY CT, COBLESKILL, NY 12043-5628
Document Number	0001130/85
Book / Page	1130 / 85
Instrument Date	Dec 4, 2020
Instrument	784004
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 MALLARD LN # 1, 1, COBLESKILL, NY 12043-1544

Mortgage

Document Number	0000784005
Date	Jan 25, 2021
Instrument	784005

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	127 VALLEY CT, COBLESKILL, NY 12043-5628
Transaction Type	Mortgage
Record Updated	Jun 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001803/0000000167
Date	May 16, 2018
Book Page	0000001803/0000000167
Instrument	000000741179

Lender

Name	STATE FARM BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 127 Valley Ct was $5,240, up 6.1% from the year before.

Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Cobleskill Town
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,240.00 (+6.09%)
2025	$4,939.00	$108,700 Land $13,800 Building $94,900	$221,837 Land $28,163 Building $193,674
2023		$108,700 Land $13,800 Building $94,900	$190,702 Land $24,211 Building $166,491
2020	$4,685.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 127 Valley Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1996–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2011 · Hurricane Irene

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 127 Valley Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: MIDTEL.

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